Naruto is not even an Uzumaki, which is why he lacks all their physical traits.
He died immediately when Kurama was pulled out from him, where as Kushina survived till the last second, used Chakra chains to restrain Kurama, and set up a barrier as well. She would have lived even longer had the claw not pierced her. So the similarities between Uzumaki and Naruto are practically none.
As for without Kurama's chakra, then I am not sure if you are being intentionally ignorant, as Naruto cannot make 100 clones without it, given that the seal was designed that way to allow the chakra to naturally mix with his own:
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This has been explained twice in the manga. I am only showing you this one scan.